(window.webpackJsonp=window.webpackJsonp||[]).push([[31],{335:function(a,t,e){"use strict";e.r(t);var n=e(10),i=Object(n.a)({},(function(){var a=this,t=a._self._c;return t("ContentSlotsDistributor",{attrs:{"slot-key":a.$parent.slotKey}},[t("h1",[a._v("Open Banking Specifics in Estonia")]),a._v(" "),t("h2",{attrs:{id:"authentication-flows-and-sca"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#authentication-flows-and-sca"}},[a._v("#")]),a._v(" Authentication flows and SCA")]),a._v(" "),t("p",[a._v("All Estonian banks use in their open banking interfaces "),t("strong",[a._v("redirect")]),a._v(" flows. A few banks also support\nthe decoupled authorisation flow. After a TPP sends a PSU to the bank, authentication is typically\ncompleted with the "),t("strong",[a._v("Smart‑ID")]),a._v(" app or "),t("strong",[a._v("Mobile‑ID")]),a._v(" (a SIM card based digital identification). In\naddition to entering their bank-specific user IDs, users has to input their national personal code.")]),a._v(" "),t("h2",{attrs:{id:"major-banks-aspsps"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#major-banks-aspsps"}},[a._v("#")]),a._v(" Major Banks (ASPSPs)")]),a._v(" "),t("p",[a._v("The most widely used Estonian ASPSPs, in order of significance, are:")]),a._v(" "),t("ul",[t("li",[t("a",{attrs:{href:"#swedbank"}},[a._v("Swedbank")])]),a._v(" "),t("li",[t("a",{attrs:{href:"#seb"}},[a._v("SEB")])]),a._v(" "),t("li",[t("a",{attrs:{href:"#lhv"}},[a._v("LHV")])]),a._v(" "),t("li",[t("a",{attrs:{href:"#luminor"}},[a._v("Luminor")])]),a._v(" "),t("li",[t("a",{attrs:{href:"#coop-bank"}},[a._v("Coop Bank")])])]),a._v(" "),t("p",[a._v("Full list of banks (as per EBA) is available "),t("a",{attrs:{href:"https://enablebanking.com/open-banking-apis?country=EE",target:"_blank",rel:"noopener noreferrer"}},[a._v("here"),t("OutboundLink")],1),a._v(".")]),a._v(" "),t("h2",{attrs:{id:"payment-specifics"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#payment-specifics"}},[a._v("#")]),a._v(" Payment Specifics")]),a._v(" "),t("p",[a._v("All Estonian banks support "),t("strong",[a._v("SEPA Credit Transfers (SCT)")]),a._v(" in "),t("strong",[a._v("EUR")]),a._v(" via their open‑banking APIs.\nAll major ASPSPs also allow initiating through PSD2 APIs real‑time euro transfers ("),t("strong",[a._v("SCT Inst")]),a._v(").")]),a._v(" "),t("h2",{attrs:{id:"specifics-per-aspsp"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#specifics-per-aspsp"}},[a._v("#")]),a._v(" Specifics per ASPSP")]),a._v(" "),t("h3",{attrs:{id:"citadele"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#citadele"}},[a._v("#")]),a._v(" Citadele")]),a._v(" "),t("p",[a._v("Citadele operates in Estonia providing unified Open Banking services across the Baltic states.")]),a._v(" "),t("h4",{attrs:{id:"citadele-sandbox-availability"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#citadele-sandbox-availability"}},[a._v("#")]),a._v(" Sandbox Availability")]),a._v(" "),t("p",[a._v("Citadele provides a sandbox environment suitable for end-to-end testing including authorisation\nflows, account information retrieval, and initiation of payments.")]),a._v(" "),t("p",[a._v("It is available through the Enable Banking API's sandbox environment. Please refer to the\n"),t("RouterLink",{attrs:{to:"/api/sandbox/#citadele"}},[a._v("Sandbox Credentials")]),a._v(" section for the credentials to be used\nfor authentication in the Citadele sandbox.")],1),a._v(" "),t("h3",{attrs:{id:"coop-bank"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#coop-bank"}},[a._v("#")]),a._v(" Coop Bank")]),a._v(" "),t("p",[a._v("LHV support redirect auth flow with SCA using the following methods: Biometry (using Coop Eesti\nmobile app), Smart-ID and Mobile-ID. Decoupled auth flow and automatic app-to-app redirection are\nnot supported.")]),a._v(" "),t("h3",{attrs:{id:"lhv"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#lhv"}},[a._v("#")]),a._v(" LHV")]),a._v(" "),t("p",[a._v("LHV support redirect auth flow with SCA using the following methods: Smart-ID, Mobile-ID, Biometrics\n(LHV mobile app) and PIN-calculator.")]),a._v(" "),t("p",[a._v("For authorisation of access to account transactions over 90 days old users have to perform additional\nSCA.")]),a._v(" "),t("h4",{attrs:{id:"lhv-sandbox-availability"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#lhv-sandbox-availability"}},[a._v("#")]),a._v(" Sandbox Availability")]),a._v(" "),t("p",[a._v("LHV Pank provides a sandbox environment suitable for end-to-end testing including authorisation\nflows, account information retrieval, and initiation of payments.")]),a._v(" "),t("p",[a._v("It is available through the Enable Banking API's sandbox environment. Please refer to the\n"),t("RouterLink",{attrs:{to:"/api/sandbox/#lhv-pank"}},[a._v("Sandbox Credentials")]),a._v(" section for the credentials to be used\nfor authentication in the LHV Pank sandbox.")],1),a._v(" "),t("h3",{attrs:{id:"luminor"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#luminor"}},[a._v("#")]),a._v(" Luminor")]),a._v(" "),t("p",[a._v("After redirect to Luminor's authentication web page users have to choose between SCA using the Smart-ID\napp, Mobile-ID, ID-card and one-time code calculator.")]),a._v(" "),t("p",[a._v("For authorisation of access to account transactions over 90 days old (and up to a year) users have to perform additional\nSCA (for each of the accounts separately). Historical transactions are only available for fetching for 5 minutes after\nauthorisation.")]),a._v(" "),t("h3",{attrs:{id:"seb"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#seb"}},[a._v("#")]),a._v(" SEB")]),a._v(" "),t("p",[a._v("In the redirect flow, after redirect to SEB's authentication web page users can choose between the\nfollowing SCA methods: SEB mobile app (default), Smart-ID, Mobile-ID, ID-card and PIN calculator.\nDecoupled auth flow is available from the SEB mobile app, Smart-ID and Mobile-ID methods.")]),a._v(" "),t("h3",{attrs:{id:"swedbank"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#swedbank"}},[a._v("#")]),a._v(" Swedbank")]),a._v(" "),t("p",[a._v("In the redirect flow Swedbank allows users to choose between SCA using Biometrics/PIN in the\nSwedbank mobile app, the Smart-ID app, Mobile-ID, ID-card and PIN-calculator. Decoupled\nauth flow is available for the Smart-ID and the Mobile-ID methods, requiring TPPs to pass either\na personal code or a phone number.")]),a._v(" "),t("p",[a._v('For authorisation of access to account transactions over 90 days old users have to perform additional\nSCA (for each of the accounts separately). Details available for the "archive" transactions differ\nfrom the details of the recent transactions (less than 90 days old).')]),a._v(" "),t("h4",{attrs:{id:"swedbank-account-holder-name-availability"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#swedbank-account-holder-name-availability"}},[a._v("#")]),a._v(" Account Holder Name Availability")]),a._v(" "),t("p",[a._v("The account holder’s name will not be available in the account list if the transactions scope has not been granted.")]),a._v(" "),t("h4",{attrs:{id:"swedbank-sandbox-availability"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#swedbank-sandbox-availability"}},[a._v("#")]),a._v(" Sandbox Availability")]),a._v(" "),t("p",[a._v("Swedbank provides a sandbox environment suitable for end-to-end testing including authorisation\nflows, account information retrieval, and initiation of payments.")]),a._v(" "),t("p",[a._v("It is available through the Enable Banking API's sandbox environment. Please refer to the\n"),t("RouterLink",{attrs:{to:"/api/sandbox/#swedbank"}},[a._v("Sandbox Credentials")]),a._v(" section for the credentials to be used\nfor authentication in the Swedbank sandbox.")],1)])}),[],!1,null,null,null);t.default=i.exports}}]);